The purpose of this chapter is to provide safeguards to consumers with respect to their dealings with entities licensed or registered to transact insurance business in the State in the event of: A Governor-declared state of emergency; A Presidential declaration of a major disaster or emergency declaration under the Federal Stafford Act; or A national or public health emergency that within the Commissioner’s discretion affects the State that: Is issued: By the President of the United States under §201, 202(d) or 301 of the Federal National Emergencies Act; or By the Secretary of Health and Human Services under the Federal Public Health Service Act; and Is based on a serious threat to health resulting from the existence of a deadly agent as defined in Public Safety Article, §14-3A-01, Annotated Code of Maryland.